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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,646 | $52,580+17.2% | $71,671-14.0% | $70,126-12.1% |
| Participation rate | 79.7% | 60.9%+18.9pp | 68.7%+11.0pp | 69.5%+10.2pp |
| Annual return | 12.42% | 20.25%-7.8pp | 20.65%-8.2pp | 73.15%-60.7pp |
| Employer contribution / active EE | $99 | $1,616-93.9% | $2,460-96.0% | $2,343-95.8% |
| Participant deferral / active EE | $3,624 | $2,386+51.9% | $3,438+5.4% | $3,332+8.8% |
| Admin fee / account holder | $436 | $3,653-88.1% | $5,558-92.2% | $4,645-90.6% |